商业银行个人住房贷款盈利情况

Research on the Profitability of Individual Housing Loans to Commercial Banks

个人住房贷款作为个人资产业务的主要信贷产品,一直是商业银行重点发展的战略业务。2008年下半年以来,央行屡次下调房贷利率,并将个人住房贷款利率最高下浮比例提高至30%,这一政策的出台无论是从当前还是长远而言,都对个人住房贷款业务产生较大影响。就商业银行个人住房贷款盈利情况进行分析,并从改善个人住房贷款盈利贡献出发,提出相应措施、建议。

As the main credit products,individual housing loans has been strategic business of commercial banks.Since the second half of 2008,the central bank has repeatedly lowered interest rates,and the highest individual housing loan interest rate has been to float downward 30%.This policy,whether from the current or long term,has been a greater impact on individual housing loans.In this paper,through analyzing the profitability of individual housing loans to commercial banks,measures and recommendations have been put forward to improve the contribution of individual housing loans.